Take a Moment to Read our Terms of Service
PLEASE READ THE FOLLOWING TERMS OF SERVICE AGREEMENT CAREFULLY. BY
ACCESSING OR USING OUR SITES AND OUR SERVICES, YOU HEREBY AGREE TO BE
BOUND BY THE TERMS AND ALL TERMS INCORPORATED HEREIN BY REFERENCE. IT IS
THE RESPONSIBILITY OF YOU, THE USER, CUSTOMER, OR PROSPECTIVE CUSTOMER
TO READ THE TERMS AND CONDITIONS BEFORE PROCEEDING TO USE THIS SITE. IF
YOU DO NOT EXPRESSLY AGREE TO ALL OF THE TERMS AND CONDITIONS, THEN
PLEASE DO NOT ACCESS OR USE OUR SITES OR OUR SERVICES. THIS TERMS OF
THE SERVICE AGREEMENT IS EFFECTIVE AS OF.
ACCEPTANCE OF TERMS
The following Terms of Service Agreement (the “TOS”) is a legally binding agreement that shall govern
the relationship with our users and others which may interact or interface with
BestChoiceLifeInsurance.com, also known as BCLI, is located at 21455 Pilgrim Road, Chadwick, Illinois
61014 and our subsidiaries and affiliates, in association with the use of the BCLI website, which includes
https://www.bestchoicelifeinsurance.com/, (the “Site”) and its Services, which shall be defined below.
DESCRIPTION OF WEBSITE SERVICES OFFERED
The Site is a blog life insurance sales which have the following description:
Providing consumers with up-to-date life insurance information and premium quotes.
Any visitors to our site shall be deemed as “users” of the herein contained Services provided for this Term of Service.
The user acknowledges and agrees that the Services provided and made available through our website and
applications, which may include some mobile applications, and that those applications may be made
available on various social media networking sites and numerous other platforms and downloadable
programs, are the sole property of BestChoiceLifeInsurance.com. At its discretion,
BestChoiceLifeInsurance.com may offer additional website Services and/or products, or update, modify or
revise any current content and Services, and this Agreement shall apply to any additional Services
and/or products and any updated, modified, or revised Services unless otherwise stipulated.
BestChoiceLifeInsurance.com does hereby reserve the right to cancel and cease offering any of the
aforementioned Services and/or products. You, as the end user, acknowledge, accept and agree that
BestChoiceLifeInsurance.com shall not be held liable for any such updates, modifications, revisions, suspensions, or discontinuance of any of our Services and/or products. Your continued use of the Services provided, after such
posting of any updates, changes, and/or modifications shall constitute your acceptance of such updates, changes
and/or modifications, and as such, frequent review of this Agreement and any applicable terms and
policies should be made by you to ensure you are aware of all terms and policies currently in effect. Should you
not agree to the updated, revised, or modified terms, you must stop using the provided Services forthwith.
Furthermore, the user understands, acknowledges, and agrees that the Services offered shall be provided “AS IS”
and as such BestChoiceLifeInsurance.com shall not assume any responsibility or obligation for the Timeliness,
missed delivery, deletion, and/or any failure to store user content, communication, or personalization settings.
Every member’s registration data and various other personal information are strictly protected by the
https://www.bestchoicelifeinsurance.com/our-privacy-statement/). As a member, you herein consent to the
collection and use of the information provided, including the transfer of information within the United
States and/or other countries for storage, processing, or use by BestChoiceLifeInsurance.com and/or our
subsidiaries and affiliates.
CAUTIONS FOR GLOBAL USE AND EXPORT AND IMPORT COMPLIANCE
Due to the global nature of the internet, through the use of our network, you hereby agree to comply with all
local rules relating to online conduct and that which is considered acceptable Content. Uploading, posting, and/or transferring of software, technology, and other technical data may be subject to the export and import
laws of the United States and possibly other countries. Through the use of our network, you thus agree to
comply with all applicable export and import laws, statutes and regulations, including, but not limited to,
the Export Administration Regulations (https://www.access.gpo.gov/bis/ear/ear_data.html), as well as the
sanctions control program of the United States (https://www.treasury.gov/resourcecenter/
sanctions/Programs/Pages/Programs). Furthermore, you state and pledge that you:
- a) are not on the list of prohibited individuals who may be identified on any government export
exclusion report (https://www.bis.doc.gov/complianceandenforcement/liststocheck.htm) nor a member of
any other government which may be part of an export-prohibited country identified in applicable
export and import laws and regulations;
- b) agree not to transfer any software, technology, or any other technical data through the use of our
network Services to any export-prohibited country;
- c) agree not to use our website network Services for any military, nuclear, missile, chemical or
biological weaponry end uses that would be a violation of the U.S. export laws; and
- d) agree not to post, transfer nor upload any software, technology, or any other technical data which
would violate the U.S. or other applicable export and/or import laws.
CONTENT PLACED OR MADE AVAILABLE FOR COMPANY SERVICES
BestChoiceLifeInsurance.com shall not lay claim to ownership of any content submitted by any visitor or
user, nor make such content available for inclusion on our website Services. Therefore, you hereby grant
and allow for BestChoiceLifeInsurance.com the below listed worldwide, royalty-free and non-exclusive
licenses, as applicable:
- a) The content submitted or made available for inclusion in the publicly accessible areas of
BestChoiceLifeInsurance.com’s sites, the license provided to permit to use, distribute, reproduce,
modify, adapt, publicly perform and/or publicly display said Content on our network Services is for
the sole purpose of providing and promoting the specific area to which this content was placed
and/or made available for viewing. This license shall be available so long as you are a member of
BestChoiceLifeInsurance.com’s sites, and shall terminate at such time when you elect to discontinue
- b) Photos, audio, video, and/or graphics submitted or made available for inclusion on the publicly
accessible areas of BestChoiceLifeInsurance.com’s sites, the license provided to permit to use,
distribute, reproduce, modify, adapt, publicly perform and/or publicly display said Content on our
network Services are for the sole purpose of providing and promoting the specific area in which this
the content was placed and/or made available for viewing. This license shall be available so long as you
are a member of BestChoiceLifeInsurance.com’s sites and shall terminate at such time when you
elect to discontinue your membership.
- c) For any other content submitted or made available for inclusion in the publicly accessible areas of
BestChoiceLifeInsurance.com’s sites, the continuous, binding, and completely sub-licensable license
which is meant to permit to use, distribute, reproduce, modify, adapt, publish, translate, publicly
perform and/or publicly display said content, whether in whole or in part, and the incorporation of
any such Content into other works in any arrangement or medium current used or later developed.
Those areas which may be deemed “publicly accessible” areas of BestChoiceLifeInsurance.com’s sites are
those such areas of our network properties that are meant to be available to the general public, and which
would include message boards and groups that are openly available to users.
CONTRIBUTIONS TO COMPANY WEBSITE
BestChoiceLifeInsurance.com provides an area for our users to contribute feedback to our website. When
you submit ideas, documents, suggestions, and/or proposals (“Contributions”) to our site, you acknowledge
and agree that:
- a) your contributions do not contain any type of confidential or proprietary information;
- b) BCLI shall not be liable or under any obligation to ensure or maintain confidentiality, expressed or
implied, related to any Contributions;
- c) BCLI shall be entitled to make use of and/or disclose any such Contributions in any such manner as
they may see fit;
- d) the contributor’s Contributions shall automatically become the sole property of BCLI; and
- e) BCLI is under no obligation to either compensate or provide any form of reimbursement in any
manner or nature.
All users herein agree to insure and hold BestChoiceLifeInsurance.com, our subsidiaries, affiliates, agents,
employees, officers, partners, and/or licensors blameless or not liable for any claim or demand, which may
include, but is not limited to, reasonable attorney fees made by any third party which may arise from any
content a user of our site may submit, post, modify, transmit or otherwise make available through our
Services, the use of BCLI Services or your connection with these Services, your violations of the Terms of
Service and/or your violation of any such rights of another person.
COMMERCIAL REUSE OF SERVICES
The user herein agrees not to replicate, duplicate, copy, trade, sell, resell nor exploit for any commercial
the reason any part, use of, or access to BCLI’s sites.
BestChoiceLifeInsurance.com shall reserve the right at any time it may deem fit, to modify, alter and or
discontinue, whether temporarily or permanently, our service, or any part thereof, with or without prior
notice. In addition, we shall not be held liable to you or any third party for any such alteration,
modification, suspension, and/or discontinuance of our Services, or any part thereof.
Any correspondence or business dealings with, or the participation in any promotions of, advertisers located
on or through our Services, which may include the payment and/or delivery of such related goods and/or
Services, and any such other term, condition, warranty, and/or representation associated with such dealings,
are and shall be solely between you and any such advertiser. Moreover, you herein agree that
BestChoiceLifeInsurance.com shall not be held responsible or liable for any loss or damage of any nature
or manner incurred as a direct result of any such dealings or as a result of the presence of such advertisers
on our website.
Either BestChoiceLifeInsurance.com or any third parties may provide links to other websites and/or
resources. Thus, you acknowledge and agree that we are not responsible for the availability of any such
external sites or resources, and as such, we do not endorse nor are we responsible or liable for any content,
products, advertising, or any other materials, on or available from such third party sites or resources.
Furthermore, you acknowledge and agree that BestChoiceLifeInsurance.com shall not be responsible or
liable, directly or indirectly, for any such damage or loss which may be a result of, caused, or allegedly to be
caused by or in connection with the use of or the reliance on any such content, goods or Services made
available on or through any such site or resource.
You do hereby acknowledge and agree that BestChoiceLifeInsurance.com’s Services and any essential
software that may be used in connection with our Services (“Software”) shall contain proprietary and
confidential material that is protected by applicable intellectual property rights and other laws. Furthermore,
you herein acknowledge and agree that any Content which may be contained in any advertisements or
information presented by and through our Services or by advertisers is protected by copyrights, trademarks,
patents, or other proprietary rights and laws. Therefore, except for that which is expressly permitted by
applicable law or as authorized by BestChoiceLifeInsurance.com or such applicable licensor, you agree not
to alter, modify, lease, rent, loan, sell, distribute, transmit, broadcast, publicly perform, and/or created any
plagiaristic works which are based on BestChoiceLifeInsurance.com Services (e.g. Content or Software), in
whole or part.
BestChoiceLifeInsurance.com herein has granted you personal, non-transferable, and non-exclusive rights
and/or license to make use of the object code or our Software on a single computer, as long as you do not,
and shall not, allow any third party to duplicate, alter, modify, create or plagiarize work from, reverse
engineer, reverse assemble or otherwise make an attempt to locate or discern any source code, sell, assign,
sublicense, grant a security interest in and/or otherwise transfer any such right in the Software.
Furthermore, you do herein agree not to alter or change the Software in any manner, nature or form, and as
such, not using any modified versions of the Software, including and without limitation, for
obtaining unauthorized access to our Services. Lastly, you also agree not to access or attempt to access our
Services through any means other than through the interface which is provided by
BestChoiceLifeInsurance.com for use in accessing our Services.
YOU HEREIN EXPRESSLY ACKNOWLEDGE AND AGREE THAT:
- a) THE USE OF BESTCHOICELIFEINSURANCE.COM SERVICES AND SOFTWARE ARE AT
THE SOLE RISK BY YOU. OUR SERVICES AND SOFTWARE SHALL BE PROVIDED ON
AN “AS IS” AND/OR “AS AVAILABLE” BASIS. BESTCHOICELIFEINSURANCE.COM AND
OUR SUBSIDIARIES, AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS AND
LICENSORS EXPRESSLY DISCLAIM ANY AND ALL WARRANTIES OF ANY KIND
WHETHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO ANY
IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR
PURPOSE AND NON-INFRINGEMENT.
- b) BESTCHOICELIFEINSURANCE.COM AND OUR SUBSIDIARIES, OFFICERS, EMPLOYEES,
AGENTS, PARTNERS, AND LICENSORS MAKE NO SUCH WARRANTIES THAT (i)
BESTCHOICELIFEINSURANCE.COM SERVICES OR SOFTWARE WILL MEET YOUR
REQUIREMENTS; (ii) BESTCHOICELIFEINSURANCE.COM SERVICES OR SOFTWARE
SHALL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (iii) THAT SUCH
RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE
BESTCHOICELIFEINSURANCE.COM SERVICES OR SOFTWARE WILL BE ACCURATE
OR RELIABLE; (iv) QUALITY OF ANY PRODUCTS, SERVICES, ANY INFORMATION OR
OTHER MATERIAL WHICH MAY BE PURCHASED OR OBTAINED BY YOU THROUGH
OUR SERVICES OR SOFTWARE WILL MEET YOUR EXPECTATIONS; AND (v) THAT
ANY SUCH ERRORS CONTAINED IN THE SOFTWARE SHALL BE CORRECTED.
- c) ANY INFORMATION OR MATERIAL DOWNLOADED OR OTHERWISE OBTAINED BY
WAY OF BESTCHOICELIFEINSURANCE.COM SERVICES OR SOFTWARE SHALL BE
ACCESSED BY YOUR SOLE DISCRETION AND SOLE RISK, AND AS SUCH YOU SHALL
BE SOLELY RESPONSIBLE FOR AND HEREBY WAIVE ANY AND ALL CLAIMS AND
CAUSES OF ACTION CONCERNING ANY DAMAGE TO YOUR COMPUTER AND/OR
INTERNET ACCESS, DOWNLOADING AND/OR DISPLAYING, OR FOR ANY LOSS OF
DATA THAT COULD RESULT FROM THE DOWNLOAD OF ANY SUCH INFORMATION
- d) NO ADVICE AND/OR INFORMATION, DESPITE WHETHER WRITTEN OR ORAL, THAT
IT MAY BE OBTAINED BY YOU FROM BESTCHOICELIFEINSURANCE.COM OR BY WAY
OF OR FROM OUR SERVICES OR SOFTWARE SHALL CREATE ANY WARRANTY NOT
EXPRESSLY STATED IN THE TOS.
- e) A SMALL PERCENTAGE OF SOME USERS MAY EXPERIENCE SOME DEGREE OF
EPILEPTIC SEIZURE WHEN EXPOSED TO CERTAIN LIGHT PATTERNS OR
BACKGROUNDS THAT MAY BE CONTAINED ON A COMPUTER SCREEN OR WHILE
USING OUR SERVICES. CERTAIN CONDITIONS MAY INDUCE A PREVIOUSLY
UNKNOWN CONDITION OR UNDETECTED EPILEPTIC SYMPTOM IN USERS WHO HAVE
SHOWN NO HISTORY OF ANY PRIOR SEIZURE OR EPILEPSY. SHOULD YOU, ANYONE
YOU KNOW OR ANYONE IN YOUR FAMILY HAVE AN EPILEPTIC CONDITION, PLEASE
CONSULT A PHYSICIAN IF YOU EXPERIENCE ANY OF THE FOLLOWING SYMPTOMS
WHILE USING OUR SERVICES: DIZZINESS, ALTERED VISION, EYE OR MUSCLE
TWITCHES, LOSS OF AWARENESS, DISORIENTATION, ANY INVOLUNTARY
MOVEMENT, OR CONVULSIONS.
LIMITATION OF LIABILITY
YOU EXPLICITLY ACKNOWLEDGE, UNDERSTAND, AND AGREE THAT
BESTCHOICELIFEINSURANCE.COM AND OUR SUBSIDIARIES, AFFILIATES, OFFICERS,
EMPLOYEES, AGENTS, PARTNERS, AND LICENSORS SHALL NOT BE LIABLE TO YOU FOR
ANY PUNITIVE, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY
DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES THAT MAY BE RELATED TO
THE LOSS OF ANY PROFITS, GOODWILL, USE, DATA, AND/OR OTHER INTANGIBLE LOSSES,
EVEN THOUGH WE MAY HAVE BEEN ADVISED OF SUCH POSSIBILITY THAT SAID
DAMAGES MAY OCCUR, AND RESULT FROM:
- a) THE USE OR INABILITY TO USE OUR SERVICE;
- b) THE COST OF PROCURING SUBSTITUTE GOODS AND SERVICES;
- c) UNAUTHORIZED ACCESS TO OR THE ALTERATION OF YOUR TRANSMISSIONS
- d) STATEMENTS OR CONDUCT OF ANY SUCH THIRD PARTY ON OUR SERVICE;
- e) AND ANY OTHER MATTER WHICH MAY BE RELATED TO OUR SERVICE.
In the event you have a dispute, you agree to release BestChoiceLifeInsurance.com (and its officers,
directors, employees, agents, parent subsidiaries, affiliates, co-branders, partners, and any other third
parties) from claims, demands, and damages (actual and consequential) of every kind and nature, known and
unknown, suspected or unsuspected, disclosed and undisclosed, arising out of or in any way connected to
SPECIAL ADMONITION RELATED TO FINANCIAL MATTERS
Should you intend to create or to join any service, receive or request any such news, messages, alerts, or
other information from our Services concerning companies, stock quotes, investments, or securities, please
review the above Sections Warranty Disclaimers and Limitations of Liability again. In addition, for this
particular type of information, the phrase “Let the investor beware” is appropriate.
BestChoiceLifeInsurance.com’s content is provided primarily for informational purposes, and no content
that shall be provided or included in our Services is intended for trading or investing purposes.
BestChoiceLifeInsurance.com and our licensors shall not be responsible or liable for the accuracy,
usefulness or availability of any information transmitted and/or made available by way of our Services, and
shall not be responsible or liable for any trading and/or investment decisions based on any such
EXCLUSION AND LIMITATIONS
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN
WARRANTIES OR THE LIMITATION OF EXCLUSION OF LIABILITY FOR INCIDENTAL OR
CONSEQUENTIAL DAMAGES. THEREFORE, SOME OF THE ABOVE LIMITATIONS OF
SECTIONS WARRANTY DISCLAIMERS AND LIMITATION OF LIABILITY MAY NOT APPLY TO
You herein acknowledge, understand, and agree, unless otherwise expressly provided in this TOS, that there
shall be no third-party beneficiaries to this agreement.
BestChoiceLifeInsurance.com may furnish you with notices, including those with regards to any changes to
the TOS, including but not limited to email, regular mail, MMS or SMS, text messaging, postings on our
website Services or other reasonable means knew or any which may be hereinafter developed.
Any such notices may not be received if you violate any aspects of the TOS by accessing our Services in an
unauthorized manner. Your acceptance of this TOS constitutes your agreement that you are deemed to have
received any notices that would have been delivered had you accessed our Services in an authorized
You herein acknowledge, understand, and agree that all of the BestChoiceLifeInsurance.com trademarks,
copyright, trade name, service marks, and other BestChoiceLifeInsurance.com logos and any brand
features, and/or product and service names are trademarks and as such, are and shall remain the property of
BestChoiceLifeInsurance.com. You herein agree not to display and/or use in any manner the
BestChoiceLifeInsurance.com logo or marks without obtaining BestChoiceLifeInsurance.com’s prior
COPYRIGHT OR INTELLECTUAL PROPERTY INFRINGEMENT CLAIMS NOTICE & PROCEDURES
BestChoiceLifeInsurance.com will always respect the intellectual property of others, and we ask that all of
our users do the same. With regards to appropriate circumstances and at its sole discretion,
BestChoiceLifeInsurance.com may disable and/or terminate the accounts of any user who violates our TOS
and/or infringes the rights of others. If you feel that your work has been duplicated in such a way that
would constitute copyright infringement, or if you believe your intellectual property rights have been
otherwise violated, you should provide to us the following information:
- a) The electronic or the physical signature of the individual that is authorized on behalf of the owner of
the copyright or other intellectual property interest;
- b) A description of the copyrighted work or other intellectual property that you believe has been
- c) A description of the location of the site which you allege has been infringing upon your work;
- d) Your physical address, telephone number, and email address;
- e) A statement, in which you state that the alleged and disputed use of your work is not authorized by
the copyright owner, its agents, or the law;
- f) And finally, a statement, made under penalty of perjury, that the aforementioned information in your
notice is truthful and accurate, and that you are the copyright or intellectual property owner,
representative or agent authorized to act on the copyright or intellectual property owner’s behalf.
BE IT KNOWN, that BestChoiceLifeInsurance.com complies with all applicable Federal Communications
Commission rules and regulations regarding the closed captioning of video content. For more information,
please visit our website at https://www.bestchoicelifeinsurance.com/.
This TOS constitutes the entire agreement between you and BestChoiceLifeInsurance.com and shall govern
the use of our Services, superseding any prior version of this TOS between you and us concerning
BestChoiceLifeInsurance.com Services. You may also be subject to additional terms and conditions that
may apply when you use or purchase certain other BestChoiceLifeInsurance.com Services, affiliate
Services, third-party content, or third-party software.
CHOICE OF LAW AND FORUM
It is at the mutual agreement of both you and BestChoiceLifeInsurance.com about the TOS that the
relationship between the parties shall be governed by the laws of the state of Illinois without regard to its
conflict of law provisions and that any claims, causes of action, and/or disputes, arising out of or
relating to the TOS, or the relationship between you and BestChoiceLifeInsurance.com shall be filed
within the courts having jurisdiction within the County of Whiteside, Illinois, or the U.S. District Court
located in said state. You and BestChoiceLifeInsurance.com agree to submit to the jurisdiction of the courts
as previously mentioned, and agree to waive any objections to the exercise of jurisdiction over the
parties by such courts and to venue in such courts.
WAIVER AND SEVERABILITY OF TERMS
At any time, should BestChoiceLifeInsurance.com fail to exercise or enforce any right or provision of the
TOS, such failure shall not constitute a waiver of such right or provision. If any provision of this TOS is
found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should
endeavor to give effect to the parties intentions as reflected in the provision, and the other provisions of the
TOS remain in full force and effect.
STATUTE OF LIMITATIONS
You acknowledge, understand, and agree that regardless of any statute or law to the contrary, any claim or
action arising out of or related to the use of our Services or the TOS must be filed within 5 years (s) after said
claim or cause of action arose or shall be forever barred.